This is the final episode in our 3-part deep dive on self-directed accounts, and this is where entrepreneurs can really move the needle.

I'm back with Amanda Holbrook from Specialized Trust Company to break down small business retirement plans like Solo 401(k)s, SEP IRAs, and SIMPLE IRAs—and how business owners use them to contribute significantly more each year while keeping control of how the money is invested.

We cover: - Which plan fits your business structure - How much you can actually put away - Roth vs pre-tax options (and why Roth matters long-term) - Leveraging retirement accounts without triggering UBIT - Borrowing from a Solo 401(k) for short-term liquidity - Asset protection, creditor protection, and beneficiary rules - How investors like Peter Thiel used retirement accounts to create massive tax-free outcomes

If you're an entrepreneur, investor, or business owner who's ever said "I don't really have a retirement plan," this episode will change how you think about that.

This episode is brought to you by Smart Management — our operating system for real estate operators who want better visibility, tighter controls, and stronger cash flow across their portfolio. 👉 Schedule a demo at SmartManagement.com

//CONNECT WITH AMANDA Amanda Holbrook Key Account Executive at Specialized Trust Company 📞 Phone: 505-514-0587 📧 Email: [email protected] 🌐 Website: https://www.specializedtrustcompany.com

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

In episode 2 of this 3-part series, I'm back with Amanda Holbrook from Specialized Trust Company to break down two of the most overlooked tax-advantaged accounts out there: HSAs and Coverdell Education Savings Accounts.

Most people think HSAs are just a place to park money for medical bills. They're wrong. We talk about how HSAs can grow tax-free like a Roth, how investors self-direct them into real estate and other assets, and how they can cover expenses most insurance won't touch.

We also dive into Coverdell ESAs—how they work for K–12 and higher education, how family members can contribute, how they compare to 529 plans, and how they fit into a bigger legacy strategy for your kids.

This episode is all about using accounts you already need—for healthcare and education—in a smarter, tax-advantaged way.

Next week, we wrap the series with small business retirement plans (SEP IRAs and more), including how to put significantly more money away and protect it long-term.

//CONNECT WITH AMANDA

Amanda Holbrook Key Account Executive at Specialized Trust Company

📞 Phone: 505-514-0587 📧 Email: [email protected] 🌐 Website: https://www.specializedtrustcompany.com

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👉Schedule a Smart Management demo: https://smartmanagement.com

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

#LegacyPodcast #HSA #TaxFreeInvesting #WealthStrategy #SelfDirectedAccounts

Self-directed accounts let you take control of retirement money and invest beyond the stock market—if you follow the rules. In episode 1 of this 3-part series, I'm joined by Amanda Holbrook from Specialized Trust Services to break down the self-directed Roth IRA: how it works, who it's for, common myths, and the compliance mistakes that can get you in trouble.

We also get into real strategies: the backdoor Roth, using Roth contributions as a safety net, starting Roth IRAs for kids (legitimately), what "self-dealing" actually means in real estate, and how people partner accounts the right way without commingling.

Next week we'll cover specialty accounts (Coverdell ESAs, HSAs, and more). Then we'll hit small business retirement plans (SEP IRAs and other owner plans) and how to load more cash into tax-advantaged accounts.

Connect with Amanda / Specialized Trust Services Website: SpecializedTrustCompany.com Email: [email protected]

#LegacyPodcast #RothIRA #SelfDirectedIRA #RealEstateInvesting #TaxStrategy

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

Residential assisted living is one of the most misunderstood — and fastest-growing — housing models in the country. In this episode, I sit down with Isabelle Guarino to break down the real costs of aging care, why traditional facilities are failing, and what families and investors need to understand before it's too late.

I'm joined by the Queen of Residential Assisted Living to unpack a topic most families avoid until they're forced to deal with it.

We talk about the real cost of caring for aging parents, why in-home care is often far more expensive than people realize, and why large institutional assisted living facilities are struggling while smaller, residential models are thriving.

Isabelle breaks down how residential assisted living works, why it feels more like a home than a facility, and how this model solves both a family problem and a massive supply-and-demand issue that's coming fast as baby boomers continue to age.

Whether you're an investor, a business owner, or someone thinking about how you'll care for your parents — or yourself — this conversation will change how you think about assisted living.

//CONNECT WITH ISABELLE Website: RAL101.com IG: @ralacademy YouTube: @RALAcademy Buy Isabelle's book Living Legacy on Amazon: https://www.amazon.com/Living-Legacy-Community-Creating-Significant/dp/1734315385

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

#ResidentialAssistedLiving #SeniorHousing #RealEstateInvesting #AgingParents #LegacyPodcast

In this episode of the Legacy Podcast, we break down how some real estate investors use life insurance as a tool to store cash, borrow against it, and fund deals—using real numbers and clear examples.

Most investors hear "life insurance" and immediately tune out. I get it. I did too. So in this episode, I wanted to slow everything down and actually understand how some investors are using life insurance as a financial tool—not as a product pitch, not as a hack, and not as a replacement for real estate.

I sat down again with Chris Miles and asked the questions I know most real estate investors are thinking but don't always get clear answers to.

We talk through: - How investors use life insurance to hold cash differently -What it really looks like in the early years (costs, break-even, growth) - How borrowing against a policy actually works - How this compares to holding cash, CDs, bonds, or money markets - When this makes sense for real estate investors and when it doesn't - We use simple dollar examples, real scenarios, and honest trade-offs. No hype. No pressure. Just clarity.

This episode isn't about convincing you to do anything. It's about understanding another tool so you can decide whether it belongs in your overall strategy.

If you've ever wondered where to safely park cash, how to keep money working while still using it, or why some investors structure things differently—this will help connect the dots.

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

Smart investors aren't chasing upside anymore — they're prioritizing predictability, downside protection, and cash flow. In this episode of The Legacy Podcast, I sit down with longtime friend and lender Mike Zlotnik (‪@TempoInvestments‬ ) to break down how experienced operators are navigating today's real estate market. Mike and I go deep on what's actually working right now — why heavy value-add and new construction have burned so many investors, how interest rates reset the entire multifamily landscape, and why capital is flowing toward industrial, open-air retail, and long-term leases instead. We also talk candidly about investor psychology after the 2020–2022 run, what LPs are demanding today, how to think about risk vs. reward as your portfolio matures, and why staying in your lane matters more than ever in volatile cycles. This is a conversation for serious investors who want to protect capital, generate real income, and build wealth that lasts through multiple market cycles. Topics we cover:

• Why chasing upside is costing investors money
• How interest rates reshaped multifamily, retail, and industrial
• The importance of positive cap-rate spreads
• What predictable cash flow looks like today
• Investor sentiment after the last market peak
• Staying focused instead of chasing shiny objects

Connect with Mike: Website & Podcast: https://bigmikefund.com Want help building a more predictable real estate portfolio? 👉 Book a success call with my team here: https://legacywealthholdings.com/succ... 👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPe... Apple Podcasts: https://podcasts.apple.com/us/podcast...

AI can help your business grow, but only if your data, systems, and compliance are dialed in first. In this episode, we break down how serious operators actually use AI without risking revenue or shutdowns.

In this episode of The Legacy Podcast, I sit down with Jordan Fleming, co-founder and Chairman of smrtphone.io — an all-in-one communications platform used by thousands of real estate operators.

Jordan and I go deep on where AI actually creates leverage in a business — and where it quietly introduces risk if your systems aren't ready. We talk about clean data, outbound sales, compliance, AI agents, and why most operators try to scale before fixing the fundamentals.

This isn't AI hype. This is what works in the real world when you're running teams, managing deal flow, raising capital, and protecting revenue.

If you're serious about scaling — not just experimenting — this episode will change how you think about systems, communication, and AI.

// CONNECT WITH JORDAN

Social Media: @jsamuelfleming Website: smrtphone.io Get a FREE copy of Jordan's book: https://clickcallscale.com/legacy-podcast

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

I'm incredibly honored to sit down with Sharon Lechter — someone whose work has influenced tens of millions of entrepreneurs and investors around the world, including me personally.

Sharon is an internationally recognized financial literacy expert, five-time New York Times bestselling author, successful entrepreneur, philanthropist, and former CPA with over 35 years of experience. She co-authored Rich Dad Poor Dad and more than a dozen books in the Rich Dad series, advised two U.S. Presidents on financial literacy, and helped re-energize the teachings of Napoleon Hill through books like Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women.

//CONNECT WITH SHARON Website: https://sharonlechter.com Email: [email protected] LinkedIn: Sharon Lechter Instagram / Facebook / X: @SharonLechter

In this conversation, Sharon and I go far beyond basic money talk. We discuss: - Why real estate is one of the fastest paths to wealth — and where investors get stuck - How to think about leverage, diversification, and risk at different stages of life - The difference between being "asset rich" and actually being wealthy - What happens after a liquidity event — and why many entrepreneurs struggle with it - How to raise kids around money without creating entitlement - Why legacy isn't about net worth, but impact, stewardship, and contribution

Sharon also shares her personal success equation, how faith and fear shape financial decisions, and why true wealth includes your relationships, health, and ability to give back — not just your balance sheet.

If you're a real estate investor, entrepreneur, or business owner who's already doing well but wants clarity on how to build something that lasts for generations, this episode will challenge how you think about money and success.

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

This week I sat down with my buddy Sam Primm, a powerhouse real estate investor out of St. Louis who flips over 300 houses a year, owns about $50 million in rentals, and has built one of the strongest personal brands in the industry. We talk about his entire journey—from buying his first couple rentals on the side while working a W2 job, to going all-in and scaling through consistency and smart partnerships.

Sam shares how joining masterminds changed the trajectory of his business, why he intentionally stayed in the Midwest, and how he built a team of 55 people (many of them lifelong friends) who rarely leave because they're allowed to grow wealth alongside him. We also break down flipping vs. rentals, why most investors quit too soon, and the two core skills every real estate investor must master: finding deals and finding money.

We also get into the social media side of things. Sam now racks up 30–35 million views a month across platforms, and we talk about how brand building is becoming a requirement for investors in 2025, not a luxury. His authenticity, consistency, and willingness to share the real side of the business have created massive opportunities—from deal flow to private money to a thriving coaching platform.

Sam is one of the good guys. He leads with value, he builds his community, and he's built systems that allow him to scale without sacrificing his life. If you want a blueprint for real, sustained growth in this business, start here.

//CONNECT WITH SAM Instagram: @fastersamprimm YouTube: @FasterFreedom

👉 Book a success call with my team here: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1

This episode is a masterclass in why real estate matters far beyond the money, the units, or the portfolio size. Andrew Schlag has been open about the adversity he's faced—losing over $3 million, climbing out of debt, rebuilding from zero—and how those seasons completely shifted his definition of success.

At the core of his entire business is a simple belief: wealth should give you the freedom to serve more. Whether it's building homes and schools in other countries, supporting local charities, funding kids' meals, or helping new investors escape the rat race, Andrew's whole mission is about using real estate as a way to lift others up.

We talk about the habits that helped him rebuild, why gratitude is the secret multiplier in business, and how designing a life of purpose changes the way you invest forever. If you're an investor who believes success is about more than stacking doors—and that the highest calling in business is impact—this conversation will hit home.

Connect with Andrew: Website: https://www.truka.com/ Instagram: @andrew.schlag YouTube: @AndrewSchlag

👉 Want a community that helps you scale your portfolio and your impact? Book a call with my team: https://legacywealthholdings.com/success-call/

👍 And don't forget to subscribe so you never miss an episode of The Legacy Podcast! YouTube: https://www.youtube.com/ ⁨@legacypodofficial⁩ Spotify: https://open.spotify.com/show/0AJ6RPeN4m0mlWCROfpJxL Apple Podcasts: https://podcasts.apple.com/us/podcast/the-legacy-podcast-with-tim-bratz/id1587360954?ls=1